Late afternoon Tuesday I signed the paperwork for refinancing my home. This is an great improvement in my situation, as I was legally required to get Kris off the mortgage by the end of the year and I was dreading having to fight over that. Also in the refi process I was able to bundle my high-interest student loans into a lower, secured loan, representing an improvement in my cash flow. Finally, I'm taking some of the equity out so I can upgrade the heating system at my leisure over the summer, rather than in a hurry in the winter. Life is good!